Two policies on one car?
Discussion
Slight apology as I think this one has been answered before.............
My youngest passed her driving test last year and is mad-keen on starting to drive herself around (rather than rely on me or her mum acting as taxi drivers). The easiest way of doing this would be to insure her on her mum's car. The problem is that she is 19 and her mum's Policy doesn't allow anybody under 21 to be added as a named driver.
So the question is - Can she get her own separate policy on the car? Effectively the car would have two policies on it but (obviously) if we ever needed to make a claim we'd only make it on the relevant policy.
Incidentally indicative quotes for a 19 year old with zero NCD - £1,300! Sounds like a bargain to me, i was expecting something in the region of £2.5k.
Cheers
My youngest passed her driving test last year and is mad-keen on starting to drive herself around (rather than rely on me or her mum acting as taxi drivers). The easiest way of doing this would be to insure her on her mum's car. The problem is that she is 19 and her mum's Policy doesn't allow anybody under 21 to be added as a named driver.
So the question is - Can she get her own separate policy on the car? Effectively the car would have two policies on it but (obviously) if we ever needed to make a claim we'd only make it on the relevant policy.
Incidentally indicative quotes for a 19 year old with zero NCD - £1,300! Sounds like a bargain to me, i was expecting something in the region of £2.5k.
Cheers
scorcher said:
Shouldn’t be a problem but I’d check with the respective underwriters.If it’s stolen overnight and both insured parties are at home which policy do you claim on?
In whose custody or control was the vehicle under. If both parties are in the house and the car is stolen from the house, then it would be on who was the last person to drive it. OP, legally it's fine. But the best solution would be for your wife to cancel a policy and take out a new policy with an underwriter who will cover your daughter as an additional driver.
TwigtheWonderkid said:
In whose custody or control was the vehicle under. If both parties are in the house and the car is stolen from the house, then it would be on who was the last person to drive it.
OP, legally it's fine. But the best solution would be for your wife to cancel a policy and take out a new policy with an underwriter who will cover your daughter as an additional driver.
Thanks, I'll look into it. However she's got 5 months left to run and i don't think she's going to get any refundOP, legally it's fine. But the best solution would be for your wife to cancel a policy and take out a new policy with an underwriter who will cover your daughter as an additional driver.
ETA just checked and she gets £63 back, so I'm not sure if it's worth cancelling.......
Countdown said:
Thanks, I'll look into it. However she's got 5 months left to run and i don't think she's going to get any refund
ETA just checked and she gets £63 back, so I'm not sure if it's worth cancelling.......
The amount you get back is irrelevant really. It needs to be costed and compared to the insuring them both on a single policy versus the two policies.ETA just checked and she gets £63 back, so I'm not sure if it's worth cancelling.......
98elise said:
Yes you can have two policies on a car, as long as you're not doing it anything dodgy.
£1300 sounds right for someone that age. My son and daughter were quoted similar. Stick yourself on as a named driver as well, it dropped our quotes by about £100.
Good suggestion - adding her mum on has dropped the quote by £200.£1300 sounds right for someone that age. My son and daughter were quoted similar. Stick yourself on as a named driver as well, it dropped our quotes by about £100.
The weird thing is - her mum's Policy was £400 (last year) and the quote for my daughter is £1,300 but if I get a quote for her mum with my daughter as a named driver the quote is £1,900 (ie more than having two separate policies.
Also having the policy in my daughter's name, with Mum as a named driver the quote = £1100. I'm probably keying something in wrong but it's odd that having the Policy in my wife's name is so much more expensive than in my daughter's name. She did have a bump in 2016 but there was no damage to our car and the other party had a scuffed bumper, so i wouldn't have thought it would have had a major impact
Countdown said:
Good suggestion - adding her mum on has dropped the quote by £200.
The weird thing is - her mum's Policy was £400 (last year) and the quote for my daughter is £1,300 but if I get a quote for her mum with my daughter as a named driver the quote is £1,900 (ie more than having two separate policies.
Also having the policy in my daughter's name, with Mum as a named driver the quote = £1100. I'm probably keying something in wrong but it's odd that having the Policy in my wife's name is so much more expensive than in my daughter's name. She did have a bump in 2016 but there was no damage to our car and the other party had a scuffed bumper, so i wouldn't have thought it would have had a major impact
If the policy is in your wife's name the insurance company will likely expect that she is "fronting" for your daughter and they will think that your daughter is in reality the sole user of the car. I know that's not what you're doing, but that's how they will load the premium.The weird thing is - her mum's Policy was £400 (last year) and the quote for my daughter is £1,300 but if I get a quote for her mum with my daughter as a named driver the quote is £1,900 (ie more than having two separate policies.
Also having the policy in my daughter's name, with Mum as a named driver the quote = £1100. I'm probably keying something in wrong but it's odd that having the Policy in my wife's name is so much more expensive than in my daughter's name. She did have a bump in 2016 but there was no damage to our car and the other party had a scuffed bumper, so i wouldn't have thought it would have had a major impact
For added s
ts and giggles get a black box policy and see what that does to the premium, before and after it finds out what your wife's driving is like...Countdown said:
98elise said:
Yes you can have two policies on a car, as long as you're not doing it anything dodgy.
£1300 sounds right for someone that age. My son and daughter were quoted similar. Stick yourself on as a named driver as well, it dropped our quotes by about £100.
Good suggestion - adding her mum on has dropped the quote by £200.£1300 sounds right for someone that age. My son and daughter were quoted similar. Stick yourself on as a named driver as well, it dropped our quotes by about £100.
The weird thing is - her mum's Policy was £400 (last year) and the quote for my daughter is £1,300 but if I get a quote for her mum with my daughter as a named driver the quote is £1,900 (ie more than having two separate policies.
Also having the policy in my daughter's name, with Mum as a named driver the quote = £1100. I'm probably keying something in wrong but it's odd that having the Policy in my wife's name is so much more expensive than in my daughter's name. She did have a bump in 2016 but there was no damage to our car and the other party had a scuffed bumper, so i wouldn't have thought it would have had a major impact
Overall I've been quite pleased at how cheap it's been to insure my kids cars. It's a bit higher (including inflation) than when I started, but way cheaper than when car crime was rife. Back then we also tended to go 3rd party to save money, but these days there is very little in it.
My daughter's Insurance dropped to £700 after a year, so on year 3 it's going to be very reasonable. Mine is about £300 with decades of experience and lots of no claims.
By doing this, you end up with two different policies that together name two different people as main driver. Unless you have told your daughter's insurers that she isn't main driver.
You now also have a policy that has your wife as a named driver, assuming that's the state of affairs (that daughter is main and wife is not), then why not use that and cancel the wife's policy? Feels much cleaner to me.
Bert
You now also have a policy that has your wife as a named driver, assuming that's the state of affairs (that daughter is main and wife is not), then why not use that and cancel the wife's policy? Feels much cleaner to me.
Bert
BertBert said:
By doing this, you end up with two different policies that together name two different people as main driver. Unless you have told your daughter's insurers that she isn't main driver.
You now also have a policy that has your wife as a named driver, assuming that's the state of affairs (that daughter is main and wife is not), then why not use that and cancel the wife's policy? Feels much cleaner to me.
Bert
Surely main driver applies to the policy not the car? The insurer only cares about their cover/risk. You now also have a policy that has your wife as a named driver, assuming that's the state of affairs (that daughter is main and wife is not), then why not use that and cancel the wife's policy? Feels much cleaner to me.
Bert
Edited to add I just checked my certificate and it refers to the Policyholder rather than main driver
Edited by 98elise on Thursday 27th May 13:46
I always thought this wasn’t allowed but I’ve often had 2 policies on the same car for a day of two due to the weeks free insurance a number of main dealers offer when buying a new car. I presume they brought this in to try and peddle the car makers own insurance and make it easier for them to get the new car taxed.
And also, I had two policies running on my car on Monday, I rang Privilege a few weeks ago and told them not to auto renew my car insurance but they thought they’d do it anyway.
And also, I had two policies running on my car on Monday, I rang Privilege a few weeks ago and told them not to auto renew my car insurance but they thought they’d do it anyway.
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